Insurance for car collections by Prosura
No matter whether classics, custom build or kit cars, performance or imports, military or modern limited production, we can help secure you the right car collectors insurance.
We understand that cover needs to go beyond simply making it legal to take your vehicles on the road; you need to ensure that the vehicles are protected at the correct, agreed value, as well as potentially requiring additional covers – for example if you show your vehicles at events or rallies.
Who needs car collectors insurance?
Car collectors insurance suits those owning over three special vehicles, providing a single policy covering various situations. Additionally, similar to a standard multi-car policy, it offers three levels:Third Party Only, Third Party Fire and Theft, and Fully Comprehensive. But, what really sets a car collectors policy aside is the additional features that can be included. These typically recognise:
What makes your cars special – be they classic, vintage or of limited production
What your vehicles are worth – and why they need to be valued differently
The way that you use your cars – for example at track days or at rallies
To find out more about how Prosura can help your protect your prized collection of cars, simply get in touch today.
What makes car collectors insurance different to a standard policy?
Every car collection is unique – and for that reason your insurance policy relating to them should be, too. Our broker team will be able to create a policy that can include:
Agreed value cover. In regards to specialist cars, relying on a book or actual cash value policy is likely is likely to be inadequate. A cash value policy uses standard used car prices, not the true collectors market value. We will ensure accurate valuation and insurance sums reflecting your collection’s worth.
Collectors discounted premiums. Car collectors premiums are typically much lower than a standard multi car insurance policy. This is because collectors cars are typically driven far less, and the premium ought to reflect that.
Laid up cover. Similar to many collectors, if you opt to store your collection away for specific periods – such as over winter or while restoring a vehicle – a standard policy would mean paying the full rate. This occurs even if when the vehicles aren’t being driven on public roads. However, with a collectors policy, you can safeguard ‘laid up’ vehicles against accidental damage, fire and theft, without incurring chargers for driving cover.
Expert claims support. Standard car insurers may not be able to offer the expertise required to get a classic or special car repaired in the right way. We understand the need for authentic restoration or repair work. That means using the correct parts and fitted by specialist mechanics. You can choose who you want to work on your vehicle in the event that it needs repair as a consequence of an insured event.
For incomparable Car Collection Insurance quotes, choose Prosura
Prosura prides itself on being an independent insurance broker, with access to a broad range of insurers to curate a tailored product that’ll exceed your expectations.
Our high-quality car collectors insurance policies are built on years of experience and in-depth industry knowledge, delivered to you in a simple, jargon-free way.
Find out what you could save. Get in touch with the team at Prosura today.
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